Search found 3778 matches

by Rupert
Fri Dec 14, 2018 12:46 pm
Forum: Personal Finance (Not Investing)
Topic: Homeowner Insurance Deductible Amount?
Replies: 19
Views: 1131

Re: Homeowner Insurance Deductible Amount?

Clark Howard says to take the highest deductable you can afford, as insurers are increasingly of the “use it and lose it” variety. Ie, make a claim, they cancel your insurance as you are now a bad risk. So never make a claim unless it is a catastrophic loss, and make your deductable as high as poss...
by Rupert
Fri Dec 14, 2018 12:41 pm
Forum: Personal Consumer Issues
Topic: Volkswagen Reliability
Replies: 93
Views: 3849

Re: Volkswagen Reliability

Just to clarify: I realize everything stated here is just anecdotes. I've read the reliability data out there and now am just interested in hearing directly from folks around here that have first hand experience with the brand. It's more interesting for me to see how Bob's Golf runs, and how Jenny'...
by Rupert
Fri Dec 14, 2018 11:28 am
Forum: Personal Finance (Not Investing)
Topic: 20 Year Guaranteed Term Non Smoker Life Insurance
Replies: 14
Views: 595

Re: 20 Year Guaranteed Term Non Smoker Life Insurance

Believe he opened policy within last 5 years. Assuming that the policy can not raise rates and there is 15 years left in the policy, is this a good value to someone that is 70yo (regardless of other retirement income). Its difficult to see how one can lose, though the insurance companies are surely...
by Rupert
Thu Dec 13, 2018 4:32 pm
Forum: Personal Finance (Not Investing)
Topic: Do our savings rate habits change as we get older?
Replies: 15
Views: 1149

Re: Do our savings rate habits change as we get older?

I guess I am wondering generally if folks generally stay in the same financial habits from the time they are in their 20's through to retirement? For instance, I am in my 20's and currently save over 20% of my income every month, and hope to increase this over time. If others my age are saving 3% r...
by Rupert
Thu Dec 13, 2018 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: Which Turbotax
Replies: 16
Views: 1347

Re: Which Turbotax

bombcar wrote:
Thu Dec 13, 2018 11:41 am
Speaking of the Annual Turbotax Tax - where's the best deal on it this year? I see Amazon has it for $50 (CD).
In the past, Amazon has put it on sale sometime in January. It will also become available at Costco around the same time for a similar price. I've never found better deals than those.
by Rupert
Thu Dec 13, 2018 11:24 am
Forum: Personal Consumer Issues
Topic: Buying used car
Replies: 25
Views: 1134

Re: Buying used car

Someone mentioned this above, but I'm not sure you noticed it. Honda V6 vans have a timing belt, not a timing chain. So that van is going to be due for a timing belt change soon, which is an expensive repair (approximately $800-1000 or so, I think). That may be one reason why the seller is unloading...
by Rupert
Thu Dec 13, 2018 11:19 am
Forum: Personal Finance (Not Investing)
Topic: Is it a Five-Twenty-Nine or a Five-Two-Nine Plan
Replies: 29
Views: 1426

Re: Is it a Five-Twenty-Nine or a Five-Two-Nine Plan

For what it's worth, I've never heard anyone refer to them "five two nine" plans. I've only heard "five twenty-nine."
by Rupert
Thu Dec 13, 2018 10:42 am
Forum: Personal Consumer Issues
Topic: Buying used car
Replies: 25
Views: 1134

Re: Buying used car

I've got a 2014 EX-L with 51,000 miles on it. I was prompted to have the transmission fluid changed at around 30,000 miles, which I thought at the time was a bit early for a tranny fluid change, but have otherwise had no issues with the transmission. Perhaps you should look for evidence of that earl...
by Rupert
Wed Dec 12, 2018 5:46 pm
Forum: Personal Consumer Issues
Topic: Where does one purchase correctly-sized petite trousers?
Replies: 27
Views: 1224

Re: Where does one purchase correctly-sized petite trousers?

I think you should let the vanity-sizing thing go. The sizing in women's clothing is all over the place partly because women come in a wider variety of sizes than men do and partly because there is no industry standard. You just ignore the label and buy the pants that fit. I assumed, from the comme...
by Rupert
Wed Dec 12, 2018 5:30 pm
Forum: Personal Consumer Issues
Topic: Where does one purchase correctly-sized petite trousers?
Replies: 27
Views: 1224

Re: Where does one purchase correctly-sized petite trousers?

I think you should let the vanity-sizing thing go. The sizing in women's clothing is all over the place partly because women come in a wider variety of sizes than men do and partly because there is no industry standard. You just ignore the label and buy the pants that fit. I assumed, from the comme...
by Rupert
Wed Dec 12, 2018 5:26 pm
Forum: Personal Consumer Issues
Topic: Where does one purchase correctly-sized petite trousers?
Replies: 27
Views: 1224

Re: Where does one purchase correctly-sized petite trousers?

I think you should let the vanity-sizing thing go. The sizing in women's clothing is all over the place partly because women come in a wider variety of sizes than men do and partly because there is no industry standard. You just ignore the label and buy the pants that fit.
by Rupert
Wed Dec 12, 2018 12:21 pm
Forum: Personal Consumer Issues
Topic: Health insurance outside Obamacare exchange
Replies: 12
Views: 908

Re: Health insurance outside Obamacare exchange

I live in the 3rd largest city in the US and there are only 3 providers on the exchange and 25 plans. I haven't find any other company offering ACA compliant plans off the exchanges. You can find short-term plans that have more holes in them than swiss cheese though. Yea- Further research revealed ...
by Rupert
Wed Dec 12, 2018 12:01 pm
Forum: Personal Consumer Issues
Topic: Is a New Car Okay if Driven 15+ Years?
Replies: 74
Views: 5670

Re: Is a New Car Okay if Driven 15+ Years?

Well known personal finance advice is to buy cars USED instead of NEW, but does this advice still apply when the plan is to drive a car as long as possible (15-20+ years)? Due to a growing family, we are saving for a minivan. My husband is of the mindset that we should purchase an AWD Sienna since ...
by Rupert
Wed Dec 12, 2018 9:13 am
Forum: Personal Finance (Not Investing)
Topic: Bathroom scale
Replies: 17
Views: 1151

Re: Bathroom scale

After going through a number of digital bathroom scales that stopped working after a few years, I reverted to an old-school mechanical analog one (think big white dial with black numbers). It's been working great for about a decade now. I think I paid about $20 for it at Target.
by Rupert
Wed Dec 12, 2018 9:01 am
Forum: Personal Consumer Issues
Topic: Replacing a gas furnace and electric AC: when and how much?
Replies: 25
Views: 1364

Re: Replacing a gas furnace and electric AC: when and how much?

I assume your technician works for an outfit that also sells HVAC units? They probably are affiliated with a particular brand of HVAC units, e.g., Carrier, etc? The business model of such outfits these days is, unfortunately, to sell new units and the service contracts that come with them. They have...
by Rupert
Wed Dec 12, 2018 8:54 am
Forum: Personal Consumer Issues
Topic: Donate to homeless?
Replies: 84
Views: 3924

Re: Donate to homeless?

Setting aside the drug issue, which is real, it is also unfortunately the case that many of our homeless have serious mental health issues. It's one of the saddest commentaries on the state of our nation. As a criminal defense attorney, I could tell you horror stories of mentally-ill homeless indivi...
by Rupert
Tue Dec 11, 2018 1:36 pm
Forum: Personal Consumer Issues
Topic: Advise on how to deal with this insurance claim situation
Replies: 29
Views: 1400

Re: Advise on how to deal with this insurance claim situation

Edited to note: I can't see any downside to OP fighting this (or, rather, letting his own insurance company fight it for him via subrogation). If the other party is denying fault, there's a 100% chance the other party will file a claim on OP's liability policy. So there's going to be a claim on OP'...
by Rupert
Tue Dec 11, 2018 12:28 pm
Forum: Personal Consumer Issues
Topic: Advise on how to deal with this insurance claim situation
Replies: 29
Views: 1400

Re: Advise on how to deal with this insurance claim situation

Given that the other driver has already stated that he/she was NOT at fault, I would not do this. That claim against OP's wife could come back to haunt you later, until any statute runs out. If she had backed into a lamp post or such, then depending upon costs, one could consider paying and not fil...
by Rupert
Tue Dec 11, 2018 12:10 pm
Forum: Personal Consumer Issues
Topic: Advise on how to deal with this insurance claim situation
Replies: 29
Views: 1400

Re: Advise on how to deal with this insurance claim situation

Thanks all. Will file the claim with my carrier. Has the other party filed a claim against your insurance? Also, if the damage is minor, I would consider fixing it yourself versus filing a claim. Given that the other driver has already stated that he/she was NOT at fault, I would not do this. That ...
by Rupert
Tue Dec 11, 2018 11:11 am
Forum: Personal Consumer Issues
Topic: Question on car leasing
Replies: 7
Views: 2105

Re: Question on car leasing

No, that would not necessarily be the buyout amount. The residual value is based on the seller's prediction of what the car will be worth at the end of the lease. It has to be determined at the beginning of the lease because they make you pay for the predicted depreciation over the course of the lea...
by Rupert
Tue Dec 11, 2018 8:58 am
Forum: Investing - Theory, News & General
Topic: what happens when an employer removes/changes fund options from tax deferred selections?
Replies: 5
Views: 495

Re: what happens when an employer removes/changes fund options from tax deferred selections?

It will almost always be a forced switch. This is because plans often limit employers to a maximum number of funds (it often costs more to add more) and because there can be fiduciary duty issues with leaving overlapping funds in a plan.
by Rupert
Tue Dec 11, 2018 7:54 am
Forum: Personal Finance (Not Investing)
Topic: Anybody Taking Equifax Offer for Free IDNotify Service?
Replies: 11
Views: 1222

Re: Anybody Taking Equifax Offer for Free IDNotify Service?

I bet your home owners insurance policy isn't for $1 mil It's actually more than $1 million when you count my umbrella policy, but that's beside the point. These huge "insurance" policies are a marketing ploy by companies trying to lure you to pay for their monitoring services. I doubt anyone has e...
by Rupert
Mon Dec 10, 2018 5:52 pm
Forum: Investing - Help with Personal Investments
Topic: High Expense 403B
Replies: 24
Views: 933

Re: High Expense 403B

It's a public K12 school. There are other 403 providers, but they are through life insurance companies/annuities. I will try to check into the 457B option. It wasn't on the list of offerings I was given, but sounds like something I should check into, Also look a little more closely at those insuran...
by Rupert
Mon Dec 10, 2018 4:57 pm
Forum: Investing - Help with Personal Investments
Topic: High Expense 403B
Replies: 24
Views: 933

Re: High Expense 403B

Yes, it is a school plan. There is a pension, but it's not anything I can contribute extra to. Virginia That explains the high fees. School plans typically are not ERISA plans. What about a 457 plan option? Even in high-fee school districts, there is often a 457 option that is a bit cheaper. Usuall...
by Rupert
Mon Dec 10, 2018 4:35 pm
Forum: Investing - Help with Personal Investments
Topic: High Expense 403B
Replies: 24
Views: 933

Re: High Expense 403B

idealtrucks wrote:
Mon Dec 10, 2018 4:22 pm
Alex_686: I am in the 22% tax bracket.
My current asset allocation is around 90 equities/10 bond.
I hope to be with the same employer until I retire. I am 32.

Anything else I'm leaving off?
Is this a school plan? Do you have a pension and/or 457 option in addition to this 403b?
by Rupert
Mon Dec 10, 2018 7:55 am
Forum: Personal Finance (Not Investing)
Topic: are pre-fabricated / manufactured homes a bad investment?
Replies: 99
Views: 6596

Re: are pre-fabricated homes a bad investment?

These terms have very specific meanings. See https://www.claytonhomes.com/learn/home-buying/mobile-manufactured-and-modular-homes-defined. You unfortunately created the confusion in the thread by originally using the term "manufactured" in your post. That term means a post-1976 "mobile home." Thank...
by Rupert
Sun Dec 09, 2018 6:38 pm
Forum: Personal Finance (Not Investing)
Topic: are pre-fabricated / manufactured homes a bad investment?
Replies: 99
Views: 6596

Re: are pre-fabricated homes a bad investment?

First, I'll note that I understand what the OP is asking and it has nothing to do with a trailer. I have friends who had a pre-fab home built. It's in a Chalet style and if they had not pointed out some of the things that sort of make such a house even recognizable vs a stick built house, I would n...
by Rupert
Sun Dec 09, 2018 1:08 pm
Forum: Personal Finance (Not Investing)
Topic: Insurer provided wrong info to Dr, then denied claim
Replies: 8
Views: 1223

Re: Insurer provided wrong info to Dr, then denied claim

Found this site today and really curious to explore and learn! Hoping somebody may have some ideas on this situation. My health care insurer (provided through my employer) advised my Dr that a procedure would be covered. Claim was then denied. Insurer now advises the information they provided the D...
by Rupert
Sun Dec 09, 2018 12:36 pm
Forum: Personal Finance (Not Investing)
Topic: are pre-fabricated / manufactured homes a bad investment?
Replies: 99
Views: 6596

Re: are manufactured homes a bad investment?

Today's manufactured homes are built in a factory and assembled on site. That is a prefabricated home. They are just as solid as a framed on site building. They have massive timbers where the parts are joined together. These are not trailers, the OP is talking about a trailer. That said a trailer o...
by Rupert
Sun Dec 09, 2018 11:44 am
Forum: Personal Finance (Not Investing)
Topic: are pre-fabricated / manufactured homes a bad investment?
Replies: 99
Views: 6596

Re: are manufactured homes a bad investment?

A lot of people lived in manufactured homes (aka, "house trailers") where I grew up. It was a rural area, and there were few apartment complexes and rental houses there. As a result, house trailers definitely filled a hole in the housing market. They are also popular in college towns and on the outs...
by Rupert
Fri Dec 07, 2018 1:38 pm
Forum: Personal Consumer Issues
Topic: Root Canal - dentist or endodontist
Replies: 47
Views: 3549

Re: Root Canal - dentist or endodontist

Some dentists may be able to do it, but it's what endodontists do all day every day. I would choose the specialist.
by Rupert
Fri Dec 07, 2018 11:31 am
Forum: Personal Consumer Issues
Topic: portable jump starters
Replies: 54
Views: 3637

Re: portable jump starters

In my experience, these things never work when needed. You have to keep them charged and usually they just sit in your trunk and slowly lose their charge. Unless you're going to take them out of your trunk and remember to charge them every month, I'd much rather have a set of nice thick gauge jumpe...
by Rupert
Fri Dec 07, 2018 9:08 am
Forum: Personal Consumer Issues
Topic: portable jump starters
Replies: 54
Views: 3637

Re: portable jump starters

I have one. It was less than $50 from costco. It is awesome and has saved me a lot of trouble. https://www.costco.com/Lithium-Jump-Starter-Portable-Power-Bank-with-Brush-Metal-Finish.product.100383979.html Edit: i used the cables/clips directly on the battery terminals (not the cigarette port) I al...
by Rupert
Thu Dec 06, 2018 2:31 pm
Forum: Personal Consumer Issues
Topic: Please Recommend a New Car for Me
Replies: 52
Views: 3974

Re: Please Recommend a New Car for Me

Honda Civic Type-R (2.0T 6MT) or Si (1.5T 6MT), much fun to drive VW Golf GTI or R (6MT) or Mazda3 (6MT) No CVT, no automatic shift. More control and reliable. If you really like CVT car and care about reliability, then get a Toyota Prius. Or a Hyundai, which has a 10-year manufacturer's warranty o...
by Rupert
Thu Dec 06, 2018 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: Honda Pilot Airbag Replaced/Now Having Car Issues
Replies: 3
Views: 377

Re: Honda Pilot Airbag Replaced/Now Having Car Issues

I think you should let them diagnose it. If it turns out they caused the problem when they replaced the airbag and if they're at all reputable (some dealers are, at least somewhat), they should fix it for free and should credit/refund you the $55. If it's an unrelated problem (coincidences do happen...
by Rupert
Thu Dec 06, 2018 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: Climate Concerns re: small Jersey Shore Vacation Home
Replies: 54
Views: 2936

Re: Climate Concerns re: small Jersey Shore Vacation Home

I can speak to question #2 but not the others since I don't live in NJ or in a condo. On the coast, you need both flood insurance and wind insurance. Flood insurance from the federal government, wind insurance from your normal HO insurance company. Flood insurance costs are set by the federal govern...
by Rupert
Thu Dec 06, 2018 12:47 pm
Forum: Personal Consumer Issues
Topic: Lifting credit freezes....anyone run into this? now need to create accounts
Replies: 10
Views: 1446

Re: Lifting credit freezes....anyone run into this? now need to create accounts

If you already have a "freeze" in place with a PIN then you cannot place a "lock" on your account. So someone cannot sign up for a new account @ Equifax and "lock" your account. I just tried to signup for the lock & alert app but was unable to because I have an existing "freeze" in place. This was ...
by Rupert
Thu Dec 06, 2018 10:16 am
Forum: Personal Consumer Issues
Topic: Streaming over-the-air TV on a laptop
Replies: 17
Views: 1260

Re: Streaming over-the-air TV on a laptop

Would it be cheaper/easier to just buy a cheap, smallish TV with a TV tuner (careful, not all TVs have them anymore) and a small antenna that you can store in a closet or somewhere when you don't need it?
by Rupert
Wed Dec 05, 2018 9:00 am
Forum: Personal Finance (Not Investing)
Topic: Anybody Taking Equifax Offer for Free IDNotify Service?
Replies: 11
Views: 1222

Re: Anybody Taking Equifax Offer for Free IDNotify Service?

I refuse to pay (directly or indirectly) the foxes to pretend to watch the hens. :annoyed I pull the free credit reports as allowed and watch that way. The problem is that you don't get any insurance and y not take something that is free. What does that insurance actually cover, and is it redundant...
by Rupert
Tue Dec 04, 2018 3:44 pm
Forum: Personal Finance (Not Investing)
Topic: Local credit union offered me a $7600 credit card I spend $800 a month on a credit card is the limit high enough?
Replies: 24
Views: 1430

Re: Local credit union offered me a $7600 credit card I spend $800 a month on a credit card is the limit high enough?

Do you have other credit cards, or would this be your only one? This would be my only one. I can use cash as a back up. I would rather not have another card. I want a super simple set up. Then, no, I don't think a limit this low will hurt your credit score. Opening the card and paying it off every ...
by Rupert
Tue Dec 04, 2018 7:25 am
Forum: Personal Consumer Issues
Topic: Car Negotiation on MSRP?
Replies: 26
Views: 2217

Re: Car Negotiation on MSRP?

....Also, I am in CA, not sure what is Delivery Charge fee, is it some fake fee to bump up the MSRP? :confused Are you referring to the destination charge? That's not part of the MSRP and is not negotiable. https://help.edmunds.com/hc/en-us/articles/206102367-Are-destination-charges-negotiable- Tha...
by Rupert
Mon Dec 03, 2018 5:45 pm
Forum: Personal Consumer Issues
Topic: Best values at Costco? Honestly, a little disappointed...
Replies: 165
Views: 17883

Re: Best values at Costco? Honestly, a little disappointed...

Many can't figure out that when the tank fill is on the opposite side of the car, the Costco hose reaches fine. That's Darwin's law in action, you get to see whether your fellow man/woman has a brain (most don't). Oh my god, yes. I thought I was the only one driven crazy by those people. Costco has...
by Rupert
Mon Dec 03, 2018 5:42 pm
Forum: Personal Consumer Issues
Topic: 55 year old may need hearing aid
Replies: 13
Views: 1552

Re: 55 year old may need hearing aid

Need recommendations on do’s and don’ts for someone starting the hearing aid journey. I have not been tested yet but the family signals are getting pretty strong. - Costco or hearing specialist for exam? - Where to purchase? - Other lessons learned that I have no clue I will need? I recommend seein...
by Rupert
Mon Dec 03, 2018 5:20 pm
Forum: Personal Consumer Issues
Topic: Best values at Costco? Honestly, a little disappointed...
Replies: 165
Views: 17883

Re: Best values at Costco? Honestly, a little disappointed...

Many can't figure out that when the tank fill is on the opposite side of the car, the Costco hose reaches fine. That's Darwin's law in action, you get to see whether your fellow man/woman has a brain (most don't). Oh my god, yes. I thought I was the only one driven crazy by those people. Costco has...
by Rupert
Mon Dec 03, 2018 5:05 pm
Forum: Personal Consumer Issues
Topic: Lifting credit freezes....anyone run into this? now need to create accounts
Replies: 10
Views: 1446

Re: Lifting credit freezes....anyone run into this? now need to create accounts

There was a thread about this a while back. The bureaus made this change in response to the new federal law that makes freezing/unfreezing credit free for everyone.
by Rupert
Mon Dec 03, 2018 5:03 pm
Forum: Personal Consumer Issues
Topic: New TV and a black screen
Replies: 22
Views: 1125

Re: New TV and a black screen

Have you called Samsung technical support? https://www.samsung.com/us/support/tele ... heater/tvs
by Rupert
Mon Dec 03, 2018 11:37 am
Forum: Personal Consumer Issues
Topic: Crawl Space Fixin's - Do you really need it?
Replies: 20
Views: 2145

Re: Crawl Space Fixin's - Do you really need it?

I think standing water in a crawlspace is a big problem that needs to be fixed. It's such a big problem that I wouldn't have bought a house with standing water in the crawlspace. I doubt it's a problem that has always been there, or the house would have issues by now. Over time, the water can compro...
by Rupert
Sun Dec 02, 2018 10:10 am
Forum: Personal Consumer Issues
Topic: Do I need to pay for a clean title to sell my car privately?
Replies: 28
Views: 2070

Re: Do I need to pay for a clean title to sell my car privately?

Sorry that my original post isn't so complete. But thanks for all the replies! The title they (toyota financial) mailed me has my name up top as "the owner" On the bottom right under "lien released by" it's got a stamp and original signature by some person there at toyota financial. And then there'...